Professional business insurance for freelance contractors


Kingsbridge Contractor Insurance, Lester’s recommended insurance partner provide comprehensive, inexpensive and compliant packages of business insurance to over 18,000 freelancers, contractors and independent professionals.

If you are a contractor operating through your own limited company we cannot stress enough the importance of obtaining the appropriate insurance. For the majority of contractors there is a contractual obligation with the agency and the client to be suitably insured.

Wherever you are working, you have a duty to protect anyone who might be affected by your actions. Costly claims can be made against you if your actions lead to anything being damaged or anyone being injured. Likewise, if you give your client advice or complete any work for them that leads to them losing money, a claim could be made against you.

What insurances do I need as a contractor?

The Kingsbridge package includes all of the following insurances, which means you only need one quote and one policy to cover your main exposures and meet your contractual obligations:

Professional indemnity covers you if you are accused of professional negligence, making an error or omission, or giving bad advice which results in your client losing money. This provides cover for legal defence costs and damages awarded against you.

Public liability provides cover if someone is injured or property is damaged as a result of your actions while carrying out your job. Whether you are on your own premises or at a client's site, you have a duty to protect anyone who might be affected by your activities. If you fail to do this, you may have to pay substantial compensation.

Employers’ liability provides protection against claims from employees. It is compulsory for almost all UK businesses. Regardless of your set-up, this is often insisted on by clients who may require you to comply with a standardised contract.

Key benefits include:

  • Professional indemnity and public liability cover
  • Personal accident cover included as standard
  • Comprehensive worldwide cover for UK candidates
  • Generous cover levels as required by the majority of clients – plus higher levels are available
  • Cover for previous work
  • Available to purchase online 24/7/365
  • Instant access to policy documents
  • Key IR35 indicator

If you would like to discuss your business insurance arrangements, please get in touch with Joe at Kingsbridge directly on 07977344530 or via . You can also get a quote online, by visiting